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Low Cost Home Loan

Our most popular fully-featured home loan with $0 bank fees for established homes is great for refinancing or investing.

Select your preferences to view rates:


  • Owner Occupied
  • Investment


  • $150,000 and above


  • 20% or more
  • At least 10% but less than 20%

3.89% pa

3.89% pa

3.79% pa

3.79% pa

4.64% pa

4.64% pa

4.54% pa

4.54% pa

Interest Rate^

Comparison Rate#

Bank of the year Home Loan Package First Home Buyer

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Call us on 1300 747 747 and we can
help to answer your questions.

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at a time and location that suits you.

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in touch once we receive your application.

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Features & Benefits

  • $0 bank fees for established homes
  • Free 100% offset account
  • Instant redraw available from within Online Banking
  • Construction loan available1
  • Unlimited extra repayments at no cost
  • Repayment holidays - when your repayments are in advance2
  • 10% discount on Allianz Home and Contents Insurance3
  • A complimentary meeting with one of our financial planners4

A Big 4 home loan would've cost you thousands more

Comparing home loans can be a time-consuming process so we’ve engaged the help of MOZO to crunch the numbers on your behalf. The graph below shows what you would have saved over the past 2 years*.



  View all Owner Occupied interest rates
Loans $150,000 and above Interest Rate^ Comparison Rate#
20% deposit or more 3.79% pa 3.79% pa
At least 10% but less than 20% deposit 3.89% pa 3.89% pa

If you have less than 10% deposit, please refer to our Variable Rate Home Loan

  View all Investment interest rates
Loans $150,000 and above Interest Rate^ Comparison Rate#
20% deposit or more 4.54% pa 4.54% pa
At least 10% but less than 20% deposit 4.64% pa 4.64% pa

If you have less than 10% deposit, please refer to our Variable Rate Home Loan


Calculate your repayments


  Documents & Forms
  Important Information

Loans are subject to approval. Normal lending criteria and fees and charges apply. Mortgage insurance is required for home loans over 80% and is subject to approval.

^ Minimum deposit 10%. Available for new home loans for established homes over $150,000 for applications received from 24 July 2018. Excludes existing loans, switching and variations. This offer can be withdrawn by Qudos Bank at any time. For more information on home loans with a deposit of less than 10% please call 1300 747 747.

1. A $600 establishment fee applies to construction loans. For more information and interest rates, please call 1300 747 747.

2. Repayment Holidays are not available on interest only loans. Applications are subject to Qudos Bank’s approval.

3. This insurance is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, ASFL 234 708. Qudos Bank acts as an agent for Allianz not as your agent. Any advice here does not take into consideration your objectives, financial situation or needs, which you should consider before acting on our recommendations. You should read and consider the relevant Product Disclosure Statement and Financial Services Guide before deciding whether to acquire any product mentioned. A PDS is available by calling 1300 747 747. We receive commission on these insurance products as a percentage of the premium paid for each policy. Ask us for more details. Discount applies to first year's premium. No other discounts apply. The discount may be subject to rounding.

4. All Financial Planners are Authorised Representatives and provide advice under the authority of ClearView Financial Advice Pty Ltd, ABN 89 133 593 012, AFSL 331 367.

#WARNING: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. A loan for an established home of $150,000 with a 20% or more deposit, a term of 25 years and a monthly repayment frequency have been used to calculate our comparison rate. For the comparison rate on construction loans please call 1300 747 747.

*Source of analysis and competitor data provided by Table shows selected products (NAB Choice Package, ANZ Breakfree Package, CBA Wealth Package and Westpac Premier Advantage Package) compared against Qudos Bank’s Low Cost Home Loan. Other products may be cheaper. Savings based on historical data over 2 years to 22 January 2018. Rates are variable and future savings are not guaranteed.

Before opening this home loan with us, you should read our Financial Services Guide and to see our terms and conditions, call us on 1300 747 747.

Rates current as at 24 July 2018.




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